POV SCRIPT TUTORIAL ON HOW
TO RUN HELOC SCAM..
SCENE 1 — DATING APP (The Hook)
NARRATION (Pidgin, POV):
I dey find my next maga for dating app. I
no rush — I go build trust. Na fine profile
I dey use: travel pictures, small Bible quote,
dog photo. Once she reply, I go shift am
enter WhatsApp. Na there game dey sweet.
Note: Perfect profile + fast move to
WhatsApp.
DIALOGUE (English):
Me (Scammer): Hi Grace, I loved your
smile. I ’ m an engineer working overseas.
What do you enjoy on weekends?
Grace: Hi Daniel. Weekends are for church,
gardening, and relaxing.
Me: That ’ s beautiful. Do you own your
home?
NARRATION (Pidgin, POV):
Sharp sharp, I don drag house matter enter.
I need know if she get equity. She just open
mouth give am.
SCENE 2 — BUILDING BOND (Mirror
Strategy)
NARRATION (Pidgin, POV):
Now na time to play soulmate. Anything
she like, na him I go like. I go talk about
marriage, future, plan life together. From
there, I go collect more detail.
DIALOGUE (English):
Me: I can ’ t wait to start a life with you.
Where’s your house located?
Grace: Maple Grove. It’s quiet.
Me: Perfect for family life. You’re so smart
with money.
NARRATION (Pidgin, POV):
Good. Location don land. With public
record, I go see mortgage, lender, even
balance.
SCENE 3 — FIRST MONEY HOOK
NARRATION (Pidgin, POV):
I no go ask big money yet. I go test am
with small request or fake emergency. I just
wan know whether she go open purse or
share credit gist.
DIALOGUE (English):
Me: Babe, my account is frozen overseas.
Could you help? Even just advice — do
you have a credit line like HELOC?
Grace: I do, but I never use it.
Me: You ’ re so smart. That ’ s why I love
you.
NARRATION (Pidgin, POV):
See am? She don admit. I file that one for
later.
SCENE 4 — FAKE ALERT (Phishing)
NARRATION (Pidgin, POV):
Next, I send fake SMS say her bank get
suspicious HELOC request. When fear
enter, she go click link.
NOW THIS LINK WILL BE A LINK TO
YOUR FORM WEBSITE. THIS
WEBSITE NA WEBSITE WEY YOU GO
CREATE BY YOUR SELF TO FIT
COLLECT DETAILS WEY YOUR
CLIENTS GO FILL IN THROUGH THE
LINK YOU SENT HER.
DIALOGUE (English):
Grace: Daniel, I got a bank alert about a
HELOC.
Me: Quickly click and verify, before
fraudsters steal it!
NARRATION (Pidgin, POV):
Na me be the fraudster wey send am. If she
click, she go enter fake website I control.
SCENE 5 — SPOOFED BANK CALL
(Vishing)
NARRATION (Pidgin, POV):
If she no click, Plan B — spoof call. My
guy go pretend say e dey from her bank.
ON-SCREEN TEXT (Red Flag):
"
DIALOGUE (English):
Caller (my partner): Hello Grace, we saw a
HELOC request. Can you confirm SSN last
4? And the code we just sent?
Grace: 4321 … and the code is — wait,
why can’t I type it myself?
Caller: Hurry! Fraud is happening now.
NARRATION (Pidgin, POV):
If she talk that code, game over. I fit login
her bank, open loan, cash out.
SCENE 6 — ROMANCE PRESSURE
(Emotional Manipulation)
NARRATION (Pidgin, POV):
If she still no gree, I go use love blackmail.
Tell am make she open HELOC by herself
“for our future.”
DIALOGUE (English):
Me: Baby, open a HELOC in your name so
we can protect your equity. We’ll use it for
our life together.
Grace: That sounds risky.
Me: If you love me, trust me.
NARRATION (Pidgin, POV):
Once she sign am, she go wire money
come my mule account. I don hammer. She?
She go owe bank for years.
SCENE 7 — THE LESSON (Break POV)
NARRATION (Pidgin, Serious Tone):
This na the exact way we dey run am
